On voidance of government in the market economy 论市场经济条件下的政府失灵现象
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The thesis is devided into four parts : part one discusses the fundamentals of government voidance by western scholars , which is the theoretical basis of the paper 本文共分四部分：第一部分是西方学者关于政府失效有关理论的论述，这是全文的理论基础。
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In brief , these relevant fundamental made by western scholars could by traced in three aspects : first , to define the essential connotation of " government voidance " ; second , to analyze its manifestation and cause ; third , to put forward a series of remedy measures 概括地讲，西方学者对政府失效有关理论的阐述，从三个方面进行：界定政府失效的基本内涵；分析政府失效表现及原因；提出一系列补救政府失效的措施。
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Expounds the five main aspect of risk in national commercial bank , i . e . . signal liability structure , bad loan quality , low capital efficiency , imperfect restriction on interior power , thin consciousness on risk avoidance ; summarizes five characters of the bank risks , including risk concentration , moral risk , risks caused by system structure , inequi ty between bank risks and revenues , aggrandizement trend of bank risks ; analysis eight reasons for bank risks , including proprietary ownership voidance , macroeconomic fluctuation , ineffective capita ] buffer mechanism , enterprise reasons . no synchronous fiscal investment and financial reform , incompetence law and regulation enforcement . chapter4 argues the opportunities and challenges of the financial globalization and requirement for bank risk managem ent . chapters suggests the methods for the risk management of national commercial bank 紧接着在第三章阐述了我国国有商业银行风险的“五大表现” ，即负债结构单一、信贷资产质量差、资本充足率低、内部控制机制薄弱、防范风险的意识淡薄；总结了我国国有商业银行风险的“五大特点” ，即风险高度集中、风险人为匿藏、风险的体制性、风险与收益严重不对称、风险呈继续扩大态势；剖析了我国国有商业银行风险形成的“八大因素” ，即金融产权“人格”虚设、宏观经济波动、资本金等缓冲机制不健全、财政、投资和金融的体制改革不配套、法律和法规不健全等。
